Portland, OR · Cert 34588
FDIC
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 23.48% | 18.44% | 13.52% | 15.66% | 16.24% | 11.84% | 17.74% | 34.23% | +1,858 bps | |
| Return on Equity | 25.99% | 20.37% | 14.90% | 17.13% | 17.70% | 12.92% | 19.29% | 37.22% | +2,009 bps | |
| Net Interest Margin | 4.41% | 3.98% | 3.69% | 3.73% | 3.78% | 3.53% | 3.26% | 3.28% | -45 bps | |
| Efficiency Ratio | 35.68% | 40.27% | 47.83% | 42.28% | 40.04% | 46.97% | 38.27% | 22.23% | -2,005 bps | |
| Non-Interest Burden | -25.96% | -20.60% | -13.97% | -17.02% | -17.60% | -12.09% | -18.41% | -43.45% | -2,643 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.85% | 22.13% | 14.36% | 19.41% | 17.67% | 15.64% | 16.58% | 24.49% | +508 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 90.90% | 90.39% | 90.65% | 92.24% | 92.10% | 90.66% | 93.19% | 98.64% | +640 bps | |
| Total Risk-Based Capital | 391% | 391% | 396% | 398% | 398% | 393% | 405% | 410% | +1,158 bps | |
| Equity / Assets | 90.59% | 90.44% | 91.04% | 91.73% | 91.74% | 91.48% | 92.35% | 91.63% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 64.60% | 65.44% | 65.43% | 67.06% | 69.53% | 71.50% | 71.74% | 67.71% | +65 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |